APA način citiranja (7. izdanje)

Kern, J. (1980). Cutting costs to the borrower in Indonesian rural credit programs. Pacific Architects and Engineers, Inc. ; Resources Management International, Inc..

Čikaški stil citiranja (17. izdanje)

Kern, James. Cutting Costs to the Borrower in Indonesian Rural Credit Programs. [Kebayoran Baru, Indonesia]: Pacific Architects and Engineers, Inc. ; Resources Management International, Inc., 1980.

MLA način citiranja (8. izdanje)

Kern, James. Cutting Costs to the Borrower in Indonesian Rural Credit Programs. Pacific Architects and Engineers, Inc. ; Resources Management International, Inc., 1980.